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Bharat Microfinance Report

Fostering Inclusive Impact Finance

Chapter 2 - Section 2.3 - SubSection 2.3.3

Top States and Districts in terms of Loan Outstanding

At the end of FY 2024, the top ten states accounted for 83% of the microfinance industry's loan outstanding, with Bihar leading at ₹65,487 crore, followed by Tamil Nadu and Uttar Pradesh. The top 25 districts, primarily from Bihar and Tamil Nadu, represented 18% of the total industry portfolio, with 11 districts exceeding ₹3,000 crore in loan outstanding.

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India Country

Top 10 States in terms of Loan Outstanding (₹ in Cr.)

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Top 10 States in terms of Loan Outstanding (₹ in Cr.)

Loan Outstanding (in Cr.)

Growth (%)

Top 10 States in terms of Loan Outstanding (₹ in Cr.)
StateLoan Outstanding (₹ in Cr.)
Bihar65487
Tamil Nadu58239
Uttar Pradesh46304
Karnataka42560
West Bengal40328
Maharashtra33304
Odisha25615
Madhya Pradesh24870
Rajasthan18144
Kerala14159
Top 25 Districts in terms of Loan Outstanding (₹ in Cr.)
StateDistrictLoan Outstanding (₹ in Cr.)
West BengalMurshidabad4439
BiharEast Champaran4269
BiharMuzaffarpur4246
BiharSamastipur4243
KarnatakaMysuru3954
BiharMadhubani3614
West BengalNorth 24 Parganas3607
Tamil NaduCuddalore3341
BiharDarbhanga3156
KarnatakaBelgaum3152
Tamil NaduThanjavur3058
West BengalSouth 24 Parganas2960
BiharAurangabad2809
BiharWest Champaran2789
BiharSitamarhi2782
Tamil NaduSalem2747
Tamil NaduNagapattinam2658
KarnatakaTumakuru2652
BiharBegusarai2632
Tamil NaduMadurai2621
Uttar PradeshGorakhpur2619
BiharPurnia2591
KarnatakaBengaluru Urban2564
West BengalNadia2520
BiharVaishali2519